Credit Manager

At DF Capital, we champion banking for ambition. As an award-winning provider of commercial finance and savings, we empower depositors and small businesses with financial solutions tailored to fuel their growth. Headquartered in Manchester, our team of over 160, serves thousands of customers across the UK, transforming savings into new opportunities for businesses to thrive.

We’re passionate about helping our customers succeed. As we expand our retail and commercial lending products, we remain committed to meeting their evolving needs and supporting their ambitions every step of the way.

Founded in 2016, DF Capital was born with a focus on distribution finance - providing dealers, distributors, and manufacturers with the funding they need to stock, display, and sell products, without straining cash flow.

Since then, we’ve delivered over £3.5bn of funding across diverse sectors. From motorhomes and machinery to motorbikes and lodges, we’ve financed all shapes and sizes of commercial vehicles and automobiles (no planes or trains - yet). We listed on the Alternative Investment Market of the London Stock Exchange in 2019.

In 2020, we became a fully authorised bank, extending our offering with savings products for retail depositors. We’re proud of our strong customer service, consistently achieving high satisfaction scores - like our current average rating of 4.8/5 from 1,200+ reviews, which also earned us a Platinum Trusted Service Award. The deposits we receive fuel UK businesses through our commercial lending, creating a virtuous cycle of growth.

Our goal is simple: to be the best bank - for our customers and each other. We put customer needs first, continuously looking to improve our proposition on their feedback. We aim to help more customers in more ways while continuing to deliver exceptional service.

How do we achieve this? By hiring people who care deeply about doing the right thing, we’ve been recognised as ‘World Class to Work For’ by Best Companies, and we're proud of our inclusive, sustainable, and progressive workplace.

DF Capital is a very special place to work. We have an amazing team who commit themselves each and every day to bring our ambitious growth plans to life. We’ve achieved much on our journey so far, but I believe we have our best days ahead of us.

We’ve established a unique culture that is built on a virtuous circle where engaged and empowered employees, who are powered by a shared purpose, deliver great outcomes for our customers, our communities, the environment and ultimately our shareholders. This is why we are rated a world class place to work and are amongst the best companies to work for in the UK.

A highly skilled and analytical Credit Manager with Commercial Asset-Based Lending experience to join our dynamic credit team. The Credit Manager plays a critical role in evaluating and assessing the creditworthiness of potential borrowers, with a focus on loans secured by corporate assets such as accounts receivable, inventory, and equipment.

To be successful in this role you will need strong financial acumen, risk analysis skills, and a comprehensive understanding of ABL structures and collateral monitoring.

Other duties may be assigned outside of the following duties and responsibilities:

• Credit Analysis and Risk Assessment
  :
  Conduct thorough financial analysis of prospective borrowers, including historical and projected financial statements, cash flow, business models, and management teams, to determine loan eligibility and structure.
• Collateral Evaluation
  :
  Analyse and assess the quality and liquidation value of proposed collateral (A/R, Inventory, Equipment) using appraisal reports, field audits, and industry data to establish appropriate borrowing base and advance rates.
• Deal Structuring
  :
  Work closely with Business Development colleagues to structure complex funding transactions, ensuring terms mitigate risk for the lender while meeting the borrower's capital needs.
• Credit Assessment Preparation
  :
  Prepare detailed and persuasive credit approval reviews, outlining the…